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Can a shop in Denmark charge a fee for paying with MobilePay?

The rule in the Danish Payments Act.

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Short answer

Under the Danish Payments Act (betalingsloven, section 121), a fee for paying with MobilePay must not be higher than the shop's own cost of the payment. If the MobilePay payment is made with a card, the shop may not charge a fee at all. Konkurrence- og Forbrugerstyrelsen enforces the rule: in November 2023 it ordered a business that charged 4 kr per MobilePay payment to stop, because its cost was at most 0.75 kr. MobilePay itself never charges private users for paying businesses.

Practical info

Why

  1. Fee no higher than the shop's own cost.
  2. No fee when the payment is a card transaction.
  3. MobilePay charges users nothing in shops.

Details

The 2023 case concerned a sole trader who charged 4 kr per transaction, far above his real cost.

Tip

If a shop adds a flat MobilePay fee, ask what it covers, and keep the receipt if you want to report it.

What may differ

The rules on payment fees can be changed by law, so check the current Payments Act if in doubt.

Common misconception

A shop can charge any fee it wants for MobilePay.

What actually happens

The fee may not exceed the shop's own cost, and card-based payments may carry no fee at all.

People also ask

  • How much does MobilePay cost for businesses?
  • Is there a fee on MobilePay?
  • Can a shop charge a card fee in Denmark?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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